Pretty shocking, you know your car insurance might be affecting your credit score. Generally, insurers try to find out how probable you are going to file a claim and label that what is referred to as your credit-based insurance score. Pretty shocking, you know your car insurance might be affecting your credit score. Generally, insurers try to find out how probable you are going to file a claim and label that what is referred to as your credit-based insurance score. Pretty shocking, you know your car insurance might be affecting your credit score. Generally, insurers try to find out how probable you are going to file a claim and label that what is referred to as your credit-based insurance score.